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Not working for 35 years: The 35 years in which you earn the most are used to calculate your Social Security benefit. If you don’t work for at least 35 years, zeros are averaged into your benefit amount and result in lower payments. Failing to maximize your earnings: Most people pay 6.2 percent of each […]

Some people must pay taxes on their Social Security benefits. If you get Social Security, you should receive a Form SSA-1099, Social Security Benefit Statement, by early February. The form shows the amount of benefits you received in 2012. Here are five tips from the IRS to help you determine if your benefits are taxable: […]